| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $60K | $63K | 5.51% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | — | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | — | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $219 | — | $219 | 2.56% |
| THE HORTON GROUP3 Filed as: LARRY G HORTON | 717 W MAIN ST MIDLOTHIAN, TX 76065 | AFLAC | $135 | — | $135 | 1.58% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTH LAKE, TX 76092 | AFLAC | $49 | — | $49 | 0.57% |
| TRUENORTH COMPANIES LC3 | 1200 E COPELAND RD STE 300 ARLINGTON, TX 76011 | AFLAC | $47 | — | $47 | 0.55% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $33 | — | $33 | 0.39% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $27 | — | $27 | 0.32% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $27 | — | $27 | 0.32% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $23 | — | $23 | 0.27% |
| PATRICIA C RAMOS3 | 6610 WILDHAVEN DR ROWLETT, TX 75089 | AFLAC | $18 | — | $18 | 0.21% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $17 | — | $17 | 0.20% |
| ZAKERY ALLEN HARLOW3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $15 | — | $15 | 0.18% |
| SCOTT WEBB3 | 12366 W MILTON DR PEORIA, AZ 85383 | AFLAC | $10 | — | $10 | 0.12% |
| ROBERT MILWOOD3 Filed as: ROBERT Z MILWOOD | 2808 CARTERTON WAY FLOWER MOUND, TX 75022 | AFLAC | $8 | — | $8 | 0.09% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA ANNA MCNAUGHTON | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $2 | — | $2 | 0.02% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $1 | — | $1 | 0.01% |
| BARBARA ANN MCNAUGHTON1 | 337 JOEFFIE RD GRANT, AL 35747 | AFLAC | $1 | — | $1 | 0.01% |
| GARY C KLEIN1 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 84 | $48K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.1M |
| Short-term disability | AFLAC | 6 | $9K |
| Other | AFLAC | 6 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.